By using Filandy (filandy.com) you agree to these terms. If you do not agree, please do not use the site.
Educational content only
Everything on the site is general information about loans, credit cards and personal finance. It is not financial, legal or tax advice and does not take your personal circumstances into account.
Accuracy
We work to keep information correct, but lenders change rates, fees and rules without notice. Simulations and examples are illustrations only. Always confirm the current terms directly with the provider before making a decision.
No lending or brokering
Filandy does not offer credit, recommend you to a lender in exchange for a fee or process applications. Any agreement you sign is between you and the provider you choose.
Intellectual property
Texts, layout and graphics on the site belong to Filandy or are used with permission. You may share links and short quotes with credit, but you may not republish whole articles without written consent.
External links
We link to other websites for reference. We do not control them and are not responsible for their content, availability or privacy practices.
Liability
To the extent permitted by law, Filandy is not liable for losses arising from the use of the site or from decisions made on the basis of its content.
Changes
These terms may be updated from time to time. Continuing to use the site after an update means you accept the new version.